BOBCARD PRAGATI Credit Card

1. Accelerated Rewards: You will earn 5 reward points on every Rs.100 spent on movie tickets and on shopping at department stores. You can earn a maximum of 1,000 bonus points in any billing cycle on these two categories. After you reach the maximum, you will continue to earn 1 reward point for every Rs.100 spent. 

1. Waiver on Fuel Surcharge: You will receive 1% on fuel surcharge for all transactions between Rs.400 and Rs.5,000. Fuel surcharge waiver is capped at Rs.250 per billing cycle. No reward points on fuel. 

1. Cashback Redemption: Your reward points can be redeemed for cashback at Rs.0.25 per point and will be directly credited to your credit card bill. 

1. Easy EMI Facility: You will be able to convert any purchase of Rs.2,500 or higher to an EMI of your choice for tenures of 6 to 48 months. 

1. Interest-Free Period: You will receive up to 50 days of interest-free credit. 

1. Annual Fee Waiver: You will receive one annual fee waiver of Rs.250, if your annual spends are Rs.25,000 or higher and account is in good standing. 

1. Free Add-On Cards: You can have three lifetime-free add-on cards for your family. 

1. Personal Accident Insurance Cover: Get coverage of Rs.15 lakh for air accidents and Rs.5 lakh for non-air accidents. 

1. Zero Liability: If your card is lost or stolen, contact us right away for zero liability on an unauthorized transaction.

 Key Features of the BOBCARD PRAGATI Credit Card

The following are the major features of the BOBCARD PRAGATI Credit Card:  

1. No joining fee, and annual fee waived based on use. 

1. Accelerated rewards for departmental store shopping and movies. 

1. You can redeem cashback to be paid when redeeming reward points. 

1. 1% fuel surcharge waiver based on specified ranges of spend. 

1. Ability to convert transactions over Rs.2,500 into EMI. 

1. Ability to get interest-free credit for up to 50 days. 

1. Three free lifetime add on cards. 

1. Included includes Personal accident cover. 

1. Zero liability when you report your card loss.

Eligibility Requirement for BOBCARD PRAGATI Credit Card

To be eligible for the BUPB / BGGB / BRKGB PRAGATI Credit Card, you should only have to fulfill a few basic eligibility criteria: 

1. Should be a resident of India. 

1. Be between 21-65 years old. 

1. You should have a savings or current account with Baroda UP Bank (BUPB) / Baroda Gujarat Gramin Bank (BGGB) or Baroda Rajasthan Kshetriya Gramin Bank (BRKGB) where either is your active account. 

Documents Required for BOBCARD PRAGATI Credit Card

In preparation for applying to the BUPB / BGGB / BRKGB establish your documents under here: 

1. PAN Card - An essential document in establishing identity and conducting tax verification, 

1. Address Proof - Any government-recognized proof of residence, for instance, an Aadhaar card, Voter ID, etc. 

1. Income Proof - This could be a salary slip or a recent bank statement with income proof, 

1. Passport size photograph - Which should be affixed to your application form. 

Note: Please ensure that you submit valid forms of documentation which are legible and have not expired to reduce time lost to settling document issues with delay or other concerns during processing.

How To Apply for the PRAGATI Credit Card

You can apply for the PRAGATI Credit Card through two options: offline at your bank or online at the BOBCARD website. The following are the step-by-step processes to apply offline and online: 

 Offline Application process

 If you would rather apply at the bank face-to-face, or visit your bank where you can feel comfortable, then offline is a good option. Here are the steps: 

1. Step 1: Go To Your Home Bank Branch 

Once you complete Step 1, go to the nearest branch of your designated bank BUPB, BGGB, or BRKGB, either in your home city or in a city you are visiting. Enter the bank and amongst the employees, ask if they have a PRAGATI Credit Card application. 

1. Step 2: Confirm Your Eligibility 

Once you get your application. Before you fill it out, the best practice is to double check with the bank officer to see that you meet the eligibility criteria. You must be between 21 and 65 years old and must be a citizen and resident of India with a valid savings or current account in the applicable bank. 

1. Step 3: Fill Out the Application 

Fill in all of the required personal and financial information in the application form. Check and double check the information to make sure it is accurate. If information is incorrect or missing, it could lead to delays or rejection of the application. 

1. Step 4: Submit the Required Documents  

You need to attach your PAN card. Address proof (Aadhaar or Voter ID). income proof (salary slip or bank statement) and a passport-size photograph with your application. If the bank asks you to self-attest the documents, make sure you self-attest them. 

1. Step 5: Give the Filled Application form with Required Documents to the Bank 

You need to hand over the filled application along with the attached required documents to the bank officer, who will acknowledge your credit card application along with the documents and instruct you for the next step. 

1.  Step 6: Be Assured of Your Application Processing and Approval 

The bank will forward the application to the relevant department for document and credit verification. Upon approval, you will receive the PRAGATI Credit Card at your registered address.

 Online Application Process

If you prefer to go with convenience and a paperless application, the online process is simple and will take a few minutes. Follow these steps below. 

1. Step 1: Visit the Official BOBCARD Website 

Begin by going to the official BOBCARD website and find the relevant PRAGATI Credit Card webpage, where you will fill out your online application. 

1. Step 2: Fill in Your Personal and Banking Information 

Provide important details like your full name, PAN card number, mobile number, and of course the bank that you are using (BUPB, BGGB, etc). 

1. Step 3: Upload Documents 

You must scan and upload your KYC documents such as PAN card, address proof, proof of income, and a recently taken passport-size photo. Make sure the files are legible and conform to the required size/format. 

1. Step 4: Complete e-Signature and Video KYC 

You will be prompted to complete Aadhaar-based e-signature verification. Then, you will be required to complete a video KYC process to verify your identity in real time. This step is important to complete your application digitally. 

1. Step 5: Track Your Application 

After submitting your application, you will receive an application reference number. You can use this reference number to track the status of your application until the card is approved and dispatched.

How to Link RuPay BOBCARD on UPI – Step-by-Step Process

You can link your RuPay BOBCARD to UPI by following the instructions given below:  

1. Step 1: Open Your UPI App: Use any UPI-enabled app like Google Pay, PhonePe, Paytm, or BHIM. 

1. Step 2: Go to Profile or Linked Accounts Section: Navigate to the section where you can add or manage bank accounts and cards. 

1. Step 3: Choose ‘Add Credit Card’ Option: Select the option to link a credit card instead of a bank account. 

1. Step 4: Select ‘RuPay’ as the Card Network: Only RuPay credit cards are eligible for UPI linking. 

1. Step 5: Enter Card Details: Input your 16-digit RuPay BOBCARD number and other required details. 

1. Step 6: Verify with OTP: You will receive a One-Time Password (OTP) on your registered mobile number. 

1. Step 7: Set UPI PIN: Create a UPI PIN using your existing credit card PIN and OTP authentication. 

How to Make Payments Using RuPay BOBCARD on UPI

You can use RuPay BOBCARD to pay via UPI. Follow the instructions below:  

1. Step 1: Scan Merchant’s UPI QR Code: Open your UPI app and scan the QR code at the store or payment counter. 

1. Step 2: Select RuPay BOBCARD as Payment Option: Choose your linked RuPay credit card instead of a bank account. 

1. Step 3: Enter Payment Amount: Fill in the amount you need to pay. 

1. Step 4: Authorise Using UPI PIN: Enter your UPI PIN to complete the payment securely.

Benefits of Using RuPay BOBCARD on UPI

The benefits of using RuPay BOBCARD on UPI are as follows:  

1. Use your credit card for everyday UPI payments. 

1. No need to carry your card physically. 

1. Simple, secure, and quick payment process. 

1. Earn reward points on eligible credit card spends. 

1. Supports digital payment adoption and cashless transactions.

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